Parhaat Annuity Man Podcastit (2024)

1
Comparing Index Annuity Income Riders and Dias: Shootin’ It Straight With Stan 10:38

19h ago10:38

10:38

In this episode, The Annuity Man discussed: An overview of Deferred Income Annuities Finding the best fit Income Riders attached to Indexed Annuities Key Takeaways: DIAs are essentially single premium immediate annuities deferred past one year. It has no moving parts, no annual fees, and no market attachment, making it a straight transfer of risk f…

1
Hidden Truths & Facts About Fixed Index Annuities: Shootin’ It Straight With Stan 12:49

8d ago12:49

12:49

In this episode, The Annuity Man discussed: Why are Indexed Annuities sold in a misleading way? Indexed Annuities are not growth products What annuities are for Key Takeaways: Because Indexed Annuities are a high-commission product for agents, they are often promoted in a misleading manner, obscuring their true nature and limitations. Indexed Annui…

1
Stan The Annuity Man: New Realities of Annuity Recommendations 25:20

9d ago25:20

25:20

In this episode, The Annuity Man discussed: The Annuity PILL Choosing an annuity carrier Putting the client’s best interest first The future of the annuity industry Key Takeaways: The acronym PILL stands for Principal Protection, Income for life, Legacy, and Long-term care. If you don’t need to contractually solve for one or more of those items in …

1
Strategic Retirement Planning Using Annuities: Shootin’ It Straight With Stan 8:31

15d ago8:31

8:31

In this episode, The Annuity Man discussed: The Annuity PILL The best inflation annuity Annuities are a transfer of risk Key Takeaways: Annuities provide lifetime income, principal protection, legacy planning, and long-term care benefits. If you’re not solving for any of those, then you don’t need an annuity. Social Security is the best inflation a…

1
Tailoring Fixed Index Annuities to Your Specific Goals: Shootin’ It Straight With Stan 11:57

22d ago11:57

11:57

In this episode, The Annuity Man discussed: The purpose of Fixed Index Annuities Buying only for contractual guarantees Why some agents oversell Index Annuities Understanding contractual guarantees Key Takeaways: Fixed Index Annuities are designed for principal protection and lifetime income, not market growth. Buy annuities only for contractual gu…

1
Steve Parrish: Why QLACs Will Rival Roth IRA Popularity 26:22

23d ago26:22

26:22

In this episode, The Annuity Man and Steve Parrish discuss: What are QLACs? Transferring longevity risks Creating a secure income floor in retirement How annuities are priced Key Takeaways: QLACs (Qualified Longevity Annuity Contracts) are a pro-consumer annuity product that allows transferring longevity risk by using IRA assets for lifetime income…

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Avoiding Common Pitfalls With Annuity Purchases: Shootin’ It Straight With Stan 8:00

29d ago8:00

8:00

In this episode, The Annuity Man discussed: Focusing on contractual guarantees What annuities solve for Common annuity pitch traps Key Takeaways: Avoid non-guaranteed hypotheticals and focus on contractual guarantees when considering annuities. Buy annuities for specific needs like principal protection, income, long-term care, or legacy, not for ma…

1
Fixed Annuities Explained: Which One Is Right for You?: Shootin’ It Straight With Stan 10:29

1M ago10:29

10:29

In this episode, The Annuity Man discussed: Transferring risk through annuities The annuity PILL Annuities are for guarantees and not growth Key Takeaways: Fixed Annuities provide lifetime income by transferring longevity risk to insurance companies. They offer over 40 different structures, such as life/joint life with cash/installment refund. Buy …

1
Jack Lenenberg: New LTC Product to Disrupt the Industry 37:41

1M ago37:41

37:41

In this episode, The Annuity Man and Jack Lenenberg discuss: Annuities and long-term care The three primary types of long-term care coverage Tailored long-term care Planning for the future Key Takeaways: Annuities provide principal protection, lifetime income, legacy planning, and long-term care coverage for uninsurable individuals. Long-term care …

1
The Annuity Truth About Bonuses, Rates, Caps & Spreads: Shootin’ It Straight With Stan 12:22

1M ago12:22

12:22

In this episode, The Annuity Man discussed: Annuity marketing gimmicks The complexity of Indexed Annuities What annuities are for Key Takeaways: Bonuses for annuities are marketing gimmicks and provide no real value. Contractual guarantees are the most important aspect of annuities. Indexed annuities are complex products with components like caps, …

1
Annuity Tips: The Annuity Man’s Index Annuity Strategies: Shootin’ It Straight With Stan 8:35

2M ago8:35

8:35

In this episode, The Annuity Man discussed: How to use Indexed Annuities efficiently The two sides of an indexed annuity Focusing on what annuities really do Key Takeaways: Indexed Annuities can be used as an efficient delivery system for Income Riders, which provides guaranteed lifetime income. There are two sides to an Indexed Annuity: the accumu…

1
Pam Krueger: The Best Wealthramp on How to Roll Your 401K or IRA 32:38

2M ago32:38

32:38

In this episode, The Annuity Man and Pam Krueger discuss: Finding fiduciary financial advisors Customizing an annuity according to your goal Rejecting pushy pitches from agents Avoiding costly mistakes through education Key Takeaways: Seek independent, fee-only, fiduciary advisors focused solely on your interests, not commissions or product sales. …

1
Annuity Strategies Across the Political Spectrum: Shootin’ It Straight With Stan 9:47

2M ago9:47

9:47

In this episode, The Annuity Man discussed: Pragmatic approach to financial planning How annuities are primarily priced Four primary benefits of annuities Closing the gap with annuities Key Takeaways: Prepare for either party leadership scenarios to ensure financial stability. Approach financial planning with a pragmatic mindset, always employing t…

1
Retire From Both Work & the Markets: Shootin' It Straight with Stan (TAM Classic) 8:00

2M ago8:00

8:00

In this episode, The Annuity Man discussed: How different your life could be with more money Retiring from work and the markets Investing safely and smartly Living off of guarantees Key Takeaways: People in the news and most financial advisors will tell you always to keep money in the markets, but you have to ask yourself this: will more money make…

1
Stan The Annuity Man: Annuities and the Election 34:15

2M ago34:15

34:15

In this episode, The Annuity Man discussed: Ensuring a stable retirement regardless of politics How annuities are priced Planning for political uncertainty Tailoring annuities to your financial goals Key Takeaways: Annuities provide a guaranteed income floor regardless of political outcomes. Take emotions out of financial decisions, and focus on bu…

1
Annuity Income: Return OF or ON Your Money?: Shootin' It Straight With Stan (TAM Classic) 12:44

2M ago12:44

12:44

In this episode, The Annuity Man discussed: Lifetime income and principal protection Return of your money Peeling of the interest to solve income needs Key Takeaways: Annuities aren’t only for lifetime income, some products just protect the principal like a MYGA or a Fixed Annuity. With lifetime income, annuity companies are on the hook to pay a re…

1
Is It a Good Time to Buy an Annuity?: Shootin' It Straight With Stan (TAM Classic) 8:13

3M ago8:13

8:13

In this episode, The Annuity Man discussed: When is it a good time to buy an annuity? Are annuities for market growth? Annuity sales tactics to be wary of Key Takeaways: Annuities aren’t for everybody. If you need to transfer risk, need contractual guarantees, or solve for principal protection, income for life, legacy, or long-term care, then it’s …

1
Terry Savage: Chicken Money Is Still Tasty 34:46

3M ago34:46

34:46

In this episode, The Annuity Man and Terry Savage discuss: What is “chicken money”? Considering future crises in your financial plan Seeking trusted advisors Building an income floor Key Takeaways: Your “chicken money” is money that you can’t afford to lose. CDs, treasury bills, money markets, AAA municipal bonds, and MYGAs are suitable options. MY…

1
3 Years in or 3 Years Out for MYGAs and CDs: Shootin' It Straight With Stan (TAM Classic) 12:46

3M ago12:46

12:46

In this episode, The Annuity Man discussed: Locking in for three years and over The top three safest money When to go for CDs and treasuries Key Takeaways: Ask yourself how long you want to lock the money in for. MYGAs provide the highest contractual guarantee if it’s three years and over compared to CDs and treasuries. The safest money out of all …

1
Lifetime or Interest Income?: Shootin' It Straight With Stan (TAM Classic) 10:51

3M ago10:51

10:51

In this episode, The Annuity Man discussed: The right product for the right situation What is lifetime income? Income from interest Key Takeaways: An agent selling an annuity product as a one-size-fits-all product is like a doctor prescribing one medication for everyone. There is a right product for the right circumstance, and if a person doesn’t n…

1
Stan The Annuity Man: The Annuity Man Predictions for 2024 (TAM Classic) 25:45

3M ago25:45

25:45

In this episode, The Annuity Man discussed: Planning with simplicity Annuity products overview Consumer-focused future of annuities Tuning out the noise Key Takeaways: Lifetime income is priced primarily on your life expectancy and interest rates play a secondary role in pricing. Shop all carriers for the highest contractual guarantee, don’t gamble…

1
Start Acting Annuity Rich (Wear a Suit!): Shootin’ It Straight With Stan (TAM Classic) 9:27

3M ago9:27

9:27

In this episode, The Annuity Man discussed: Acknowledging your wealth The scars of scarcity Should you be worried about inflation Setting up contractual guarantees Key Takeaways: Be rational about the wealth that you have. Don’t say you’re not rich if you are not one of the 40% of Americans today who have $400 to their name and are struggling. Ackn…

1
Automate Your Income: Shootin' It Straight With Stan 10:22

4M ago10:22

10:22

In this episode, The Annuity Man discussed: Automating your income Establishing an automated income stream Reverse-engineering your income goal Key Takeaways: Automating your income is about creating more income floor to add to your lifetime income stream with Social Security which increases with inflation. This is where annuities come into play si…

1
Sheryl Garrett: Financial Planning On YOUR Terms 45:00

4M ago45:00

45:00

In this episode, The Annuity Man and Sheryl Garrett discuss: The role of a financial planner How the industry should be Hiring the right planner Being aggressive with cash flow Key Takeaways: Many personal, financial, economic, and psychological things are coming together all at once. The planner’s role is to help clients see through all of that an…

1
The Older You Are, the Higher the Annuity Payment: Shootin' It Straight With Stan (TAM Classic) 11:15

4M ago11:15

11:15

In this episode, The Annuity Man discussed: Claiming your social security You can’t time annuities Three phases of retirement Key Takeaways: Social security payments get higher if you wait until 70 because you’re older which means that your life expectancy is less, meaning that there are fewer projected payments. Fewer payments mean that those paym…

1
Increase Your Annuity Income Floor As You Age: Shootin' It Straight With Stan (TAM Classic) 11:17

4M ago11:17

11:17

In this episode, The Annuity Man discussed: Creating a solid income floor for retirement Considering your income Many ways to create income Key Takeaways: Going into chapter two of your life, you have to do your own thing. Stop keeping score. You’ve already won the game, you already have enough money, so why are you still playing? It’s important to…

1
Rick Ferri: Core-4 Portfolios for Simplistic Success (TAM Classic) 38:54

4M ago38:54

38:54

In this episode, The Annuity Man and Rick Ferri discuss: Outperforming 90% of investors Developing a simple portfolio Five ways to improve your portfolio Facing the risks Key Takeaways: Investing is not as difficult as others would have you believe. The best way to invest is to keep things simple; the fewer moving parts, the better. Develop a simpl…

1
You Already Won! Why Are You Still Playing?: Shootin' It Straight with Stan (TAM Classic) 11:59

4M ago11:59

11:59

In this episode, The Annuity Man discussed: Not everyone needs to be exposed Bonds and market volatility Looking into lifetime income Questions to ask your advisor Key Takeaways: Financial advisors tend to advise their clients to do 60% equity and 40% bond split or that they always have some exposure, but it doesn’t apply to everybody. People who’v…

1
25% Annuity Bonus…Is It Real?: Shootin' It Straight with Stan (TAM Classic) 9:59

4M ago9:59

9:59

In this episode, The Annuity Man discussed: Bonuses are not the true benefits Unethical practices that rush an annuity sale Focus on what really matters Key Takeaways: Upfront bonuses are merely a part of the contract rather than the true benefits they seem to be. Focus instead on the lifetime income guarantee, on the financial stability and predic…

1
Jason Fichtner: Understanding A Changing Retirement Landscape (TAM Classic) 49:37

5M ago49:37

49:37

In this episode, The Annuity Man and Jason Fichtner discuss: Preparing for depletion Preaching to a hurricane Maximizing returns and minimizing risks The real danger zone Key Takeaways: There’s going to be depletion in combined trust funds in 2024. In response to this, you can delay claiming your social security until you absolutely need it, you ca…

1
Understanding Annuity Payout Options - Shootin' It Straight with Stan (TAM Classic) 11:01

5M ago11:01

11:01

In this episode, The Annuity Man discussed: Annuities are customizable An example of life with cash refund What does it mean to get a joint-life policy Options and choices when getting an annuity Key Takeaways: A life-only contract means that the annuity company is on the hook to pay as long as you’re breathing, but the money goes away when you die…

1
Live off the Interest Until You Can’t: Shootin’ It Straight With Stan (TAM Classic) 10:19

5M ago10:19

10:19

In this episode, The Annuity Man discussed: What does it mean to live off the interest? Living off guaranteed interest When interest rates go down If you can’t live off of the interest Key Takeaways: At the time of this taping, some money markets are 4, some CDs at five, and some MYGAs at five and a half. A lot of you out there have enough funds th…

1
John Olsen: Annuity Royalty Shares Wisdom (TAM Classic) 31:56

5M ago31:56

31:56

In this episode, The Annuity Man and John Olsen discuss: The suitability approach and consumer trust How the annuity industry can be better Approaching people who hate annuities Risk management and risk transfer Key Takeaways: There is a considerable certainty that companies out there are determined to give the right product to their clients. If yo…

1
Defer 2 SPIA (MYGA-2-SPIA): Shootin' It Straight With Stan (TAM Classic) 14:00

5M ago14:00

14:00

In this episode, The Annuity Man discussed: What are MYGAs and SPIAs? Annuities are contractual commodities MYGA to SPIA Key Takeaways: A MYGA, Multi-Year Guaranteed Annuity, is the annuity industry's version of a CD. The good news about MYGAs is that the interest rate is locked in and non-callable. This means that when interest rates go down, you’…

1
Annuity Fancy or Annuity Contractual?: Shootin’ It Straight With Stan 5:42

5M ago5:42

5:42

In this episode, The Annuity Man discussed: The four main concerns that annuity addresses Why you should stay away from fancy annuities Things to consider when buying annuities Key Takeaways: Annuity contracts are designed to address four key concerns: principal protection, lifetime income, legacy planning, and long-term care. However, not all annu…

1
Dana Anspach: Juicing Your Retirement Plan (TAM Classic) 42:04

5M ago42:04

42:04

In this episode, The Annuity Man and Dana Anspach discuss: Juicing your retirement money How can you know if you’re “retirement-ready” What are some things you have to consider when setting up your retirement plan The four percent rule Key Takeaways: Don’t underestimate what more you can juice from your retirement plan. You might very well end up w…

1
Annuity Contractual Guarantees Change Lives: Shootin’ It Straight With Stan 7:58

6M ago7:58

7:58

In this episode, The Annuity Man discussed: Annuity solutions to retirement problems The four things that annuities solve for How annuities can give peace of mind, flexibility, and freedom Key Takeaways: Retirement can be a daunting prospect, with the uncertainty of how long your savings will last and the fear of running out of money. However, annu…

1
Annuity Doublers Gives Your Money Back Quicker When You Get Sicker: Shootin’ It Straight With Stan 7:54

6M ago7:54

7:54

In this episode, The Annuity Man discussed: What annuity doublers refer to The true story of annuity doublers Key Takeaways: Annuity “doublers” isn’t as lucrative as it seems. You become eligible for enhanced payment if you are found to be unable to do the five daily functions of life. The additional value given in enhanced payments is subtracted d…

1
David Blanchett: Retirement Income Investing in a Low-Yield World (TAM Classic) 48:33

6M ago48:33

48:33

In this episode, The Annuity Man and David Blanchett discuss: People’s irrational preference A gap between perceived and actual ability Is cryptocurrency going to last? Investing when there are low yields Key Takeaways: In theory, people should be indifferent between spending down their portfolio and living off of it - but investors aren’t always r…

1
There’s No ROI Until You Die With Lifetime Income Annuities: Shootin’ It Straight With Stan 5:59

6M ago5:59

5:59

In this episode, The Annuity Man discussed: The four primary annuity types for lifetime income There’s no ROI until you die with lifetime income annuities Two important questions to consider when buying annuities Key Takeaways: There are four primary annuity types providing lifetime income: Single Premium Immediate Annuities, Deferred Income Annuit…

1
How the Annuity Sausage Is Made: Shootin’ It Straight With Stan 11:20

6M ago11:20

11:20

In this episode, The Annuity Man discussed: The pricing mechanism of annuity products Annuities are commodity products Buy only the products that you understand Key Takeaways: Annuity pricing is primarily based on life expectancy, with interest rates playing a secondary role. Another key factor in annuity pricing is that annuity prices change based…

1
Roger Whitney: How To Rock Your Retirement (TAM Classic) 44:38

6M ago44:38

44:38

In this episode, The Annuity Man and Roger Whitney discuss: The two retirement crises Balancing on the teeter-totter Before going into fancy tactical stuff Focusing on what you can control Key Takeaways: There are two retirement crises: one is when people don’t have enough money to pay the bills when they can’t work anymore. The other crisis is for…

1
The Perfect Annuity Does Not Exist: Shootin’ It Straight With Stan 8:55

7M ago8:55

8:55

In this episode, The Annuity Man discussed: Focusing on guarantees The best annuity Finding the annuity best suited for you Key Takeaways: Annuities are financial products that can provide a steady stream of income during retirement, but they come with both benefits and limitations. It's essential to approach annuities with a clear understanding of…

1
The Cost of Waiting to Purchase an Annuity: Shootin’ It Straight With Stan 9:42

7M ago9:42

9:42

In this episode, The Annuity Man discussed: Don’t time the market when buying annuities The cost of waiting for the perfect moment Key Takeaways: Don’t time the market when buying annuities. Instead of trying to find the perfect moment, determine whether you actually need an annuity by asking yourself what you want the money to do and when you want…

1
Steve Parrish: Rational and Phased Retirement Planning (TAM Classic) 47:57

7M ago47:57

47:57

In this episode, The Annuity Man and Steve Parrish discuss: People don’t understand annuities Preparing for diminished capacity Life expectancy is good and getting better Managing your retirement plan Key Takeaways: Annuities are not an investment, it’s a form of insurance that makes investments even better. Address problems in advance while you st…

1
Always Reverse Engineer Annuity Income Quotes: Shootin’ It Straight With Stan 7:59

7M ago7:59

7:59

In this episode, The Annuity Man discussed: Be strategic and efficient when purchasing annuities Reverse engineering annuity quotes Maximizing retirement income Key Takeaways: When it comes to purchasing annuities for retirement income, it's essential to be strategic and efficient with your money. This is why you should aim to use the least amount …

1
Keep Your Powder Dry Annuity Income Planning: Shootin' It Straight With Stan 8:47

7M ago8:47

8:47

In this episode, The Annuity Man discussed: The value of annuities for lifetime income planning Laddering strategy with annuities Placing an annuity inside a trust Key Takeaways: When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility a…

1
Gary Baker: The Growth of Group and Fee-Based Annuities 49:48

7M ago49:48

49:48

In this episode, The Annuity Man and Gary Baker discuss: The Secure Act's role in making annuities more accessible within 401(k) plans Lifetime guaranteed income options within 401(k) target date funds The widespread inclusion of lifetime income options How annuities can alleviate pressure on Social Security Key Takeaways: The retirement landscape …

1
There’s NO Annuity Sweet Spot to Purchase: Shootin' It Straight With Stan 8:47

8M ago8:47

8:47

In this episode, The Annuity Man discussed: Annuities are contracts The perfect time to buy an annuity You can’t time contracts Key Takeaways: There is no "sweet spot" to purchase annuities, as all types have contractual guarantees that should be analyzed. Remember that annuities are contracts, not investments. The perfect time to buy an annuity is…

1
Transfer Your Risk to Annuity Contractual Guarantees: Shootin' It Straight With Stan 8:47

8M ago8:47

8:47

In this episode, The Annuity Man discussed: What annuities solve for Transfer of risk The three phases of retirement Key Takeaways: Annuities solve for PILL: Principal protection, Income for life, Legacy, and Long-term care. There’s no G for growth, or R for Returns. If you want growth and returns, do not buy an annuity of any type. Annuities are b…

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